Fixed Indexed Annuity

Retirement Plus Multiplier Annuity

Name: Retirement Plus Multiplier Annuity
Brand: Atlantic Coast Life

Atlantic Coast Life

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5.95%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: updated regularly

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Retirement Plus Multiplier Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$250,358

Est. value at age 80 (Retirement Plus Multiplier Annuity)

5.95%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 5.95% Cap (Annual)

✦

How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Retirement Plus Multiplier Annuity's published cap rate (5.95% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

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See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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rate data

Run numbers for Retirement Plus Multiplier Annuity

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Atlantic Coast Life product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

Current lifetime withdrawal rate

4.7% lifetime payout

An income-capable Atlantic Coast Life FIA with an exact source-backed GLWB profile, multiple surrender-term variants, an S&P 500 annual cap, and separate fee-bearing income and accumulation-rider choices.

0.95% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers seeking guaranteed lifetime withdrawals who want an exact rider profile and fee shown alongside multiple surrender-term choices and a mix of recognizable and proprietary index strategies.

AM Best

B Fair

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

41 jurisdictions (restricted footprint)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 5-year surrender · Does not vary by premium

2-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 5-year surrender · Does not vary by premium

2-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 7-year surrender · Does not vary by premium

2-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 7-year surrender · Does not vary by premium

2-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

+ 18 additional crediting options (Aging of...)

Lifetime Income Riders

Income rider

Income Multiplier Benefit

Lifetime payout rate4.7% lifetime payout

Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

The exact product filing publishes an Income Multiplier Guaranteed Lifetime Withdrawal Benefit Rider, with its current withdrawal mechanics and annual rider fee tied to income-benefit profile 0002939024.
The contract is filed in multiple surrender-period options, allowing buyers to choose the commitment period before comparing the crediting and income trade-offs.
The crediting menu pairs a recognizable S&P 500 annual point-to-point cap with the proprietary Aging of America Index across multiple participation windows.
Free-withdrawal terms, the surrender ladder, market value adjustment, and nursing-home, terminal-illness, and RMD waivers are displayed beside the rider economics.

What to confirm

The GLWB carries an annual rider fee deducted from account value. The rider fee and guaranteed income result must be evaluated together.
The separate Growth Benefit Accumulation Buy-Up Rider enhances crediting rates and has its own fee; it is not the lifetime-income rider. Do not combine the enhanced cap and GLWB economics as though they were one free tier.
The Aging of America Index participation rates are not directly comparable to an S&P 500 cap and should be evaluated using their own index rules and crediting windows.
Surrender charges and a market value adjustment can apply above the free-withdrawal amount, and Atlantic Coast Life's A.M. Best rating is below the A bracket. Those liquidity and issuer-strength facts remain relevant even when the income rider is selected.

Not ideal for

Buyers who want fee-free lifetime income, short-surrender liquidity, an A-bracket carrier, or who expect the Accumulation Buy-Up Rider's enhanced rates to be part of the GLWB without a separate cost.

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See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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All crediting strategies

View rate listings (63 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 150% · 1-yr

Aging of America Index

participation